November is Financial Literacy Month across Canada – an opportunity to raise awareness of the importance of having the knowledge, skills and confidence to make financial decisions. But having the confidence to make smart financial decisions comes from being exposed to it at a young age, which is why Credit Counselling Services of Atlantic Canada […]
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Take control of your finances with a budget
Taking control of your finances can improve your financial well-being, and your overall mental and physical health. It reduces your stress by putting you in the driver’s seat. The good news is that there are concrete steps you can take to improve your financial well-being A budget is the foundation. It’s a simple but highly […]
Applying for Credit? Only You Can Decide What Makes a Good Offer
At some point, most of us have been offered financial products and services we hadn’t planned on buying. Perhaps it was in the form of extra insurance on our credit card or on our mortgage, or of a “pre-approved” increase to our credit limit on our card when we called the bank for something else. […]
Invest in your financial well-being
Every year, more of us struggle to meet our financial commitments. Many of us carry high debt and don’t even have access to basic emergency savings. In fact, Canadian households are devoting less of their disposable income to savings than ever before. Our debt-to-disposable income ratio is at an all-time high. Whatever form debt takes […]
Life After Debt Series: “How Over-Gifting Put Me in Debt”
How do you think you got into financial trouble? I was making a lot of money at the time and I thought I could help everyone. Then I started to borrow from credit cards and always thought I could pay everything back. How did that make you feel? When I got in too deep it […]
Life After Debt Series: “How I Was Able to Rebuild My Credit Rating”
How do you think you got into financial trouble? Credit cards used for Christmas and cash to pay other debt. How did that make you feel? Lost, anxious and often depressed. How long did it take you to get back on your feet financially? Just under 4 years with Solve Your Debts. Is your outlook […]
Life After Debt Series: “How I Learned to Manage My Money”
How do you think you got into financial trouble? I am disabled. How did that make you feel? Overwhelmed. How long did it take you to get back on your feet financially? 5 years. Is your outlook on life different now that you are debt free? Yes. How did dealing with your debt help in […]
Life After Debt Series: “How I Stopped Overspending & Eliminated My Debt
How do you think you got into financial trouble? I was young and treated my credit card and Line of Credit as “extra money”, knowing it wasn’t but not taking responsibility to make sure I was paying it back. How did that make you feel? Trapped. It was a burden and guilt that was always […]
Life After Debt Series: “How Eliminating My Debt Made Me Much Happier”
How do you think you got into financial trouble? Wanting to buy things for others. How did that make you feel? Terrible. How long did it take you to get back on your feet financially? 5 years. Is your outlook on life different now that you are debt free? Extremely. How did dealing with your […]
Life After Debt Series: “How My Debt Affected My Family Life”
How do you think you got into financial trouble? Used credit cards to keep ahead of bills. How did that make you feel? It sucked. How long did it take you to get back on your feet financially? 5 years. Is your outlook on life different now that you are debt free? Yes. It feels […]
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